| Advisor Profile |
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Business Description |
| "See what's on your horizon." Penn Rise Benefits is a full service financial service firm. We provide health insurance for businesses and individuals alike. We are dedicated to providing you with the benefits that best suit your needs and excellent service. We also help people achieve their financial goals and protect their assets. We are able to offer just about any type of investment you are looking for. From IRA's and 401(k)'s to college savings accounts and brokerage accounts, we offer the investments needed to help you achieve your financial goals. Looking for life insurance? Penn Rise Benefits deals with more than 50 insurance carriers to make sure you get the best price and plan for your needs. Give us a call today to help you better prepare for your future. You can't predict, but you can prepare. |
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General Information |
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| Name of Broker/Dealer: |
Resource Horizons Group, L.L.C.
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| States Licensed in: |
PA, OH, DE, NC, MI
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| Years of Experience in Financial Services: |
8
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| Number of Years with Current Firm: |
2
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| I work with the following types of clients: |
Non-Profit Organizations, Individual Investors, Businesses
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Services |
| Investment Types: |
Mortgages & Real Estate, Mutual Funds, Exchange Traded Funds (ETFs), Insurance, Annuities, Stocks, Bonds
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Qualifications & Memberships |
| Securities Licenses: |
Series 7, Series 6, Series 63
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| Insurance and Annuity Licenses: |
HMO, Disability, Variable Life, Long Term Care, Variable Annuity, Health, Life
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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Compliance |
| Registered Representative: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| Minimum Portfolio Size for New Managed Accounts: |
5000
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| Compensation Methods: |
Based on Assets, Commissions
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| Prepared By: |
Karl Klingmann II |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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I have one of the highest retention rates in the industry, kept by our commitment and dedication to customer service. |
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What are your qualifications? What is your education background? |
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Graduate from Lafayette College with an Economics Degree. Licensed and registered with the NASD/SEC and insurance department in several states. |
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What is your approach to financial planning? |
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Slow and steady wins the race. Periodic reviews are a must and your opinion matters! |
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What services do you offer? |
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I help people achieve their financial goals and protect their assets. Life & health insurance and investments are my specialties. Particularly retirement and college planning. |
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How many clients do you currently manage? |
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Will you be the only person working with me? |
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How are you compensated? How will I pay for your services? |
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Commission. All fees are fully disclosed upfront. |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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Do you offer any guaranteed results? |
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How much risk should I be willing to take? |
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That depends on what you are comfortable with. |
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Have you ever been charged with any breaches? |
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What are your rate plans? |
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That will vary with the companies and benefits. |
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What is covered? |
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Again, that will vary with the company and benefits you choose. |
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Are pre-existing conditions covered? |
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Can I choose my own healthcare provider? |
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Is there a waiting period? |
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Does this plan include dental coverage? |
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Again, that will vary with the company and benefits you choose. |
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What carrier(s) do you represent? |
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I represent over 50 insurance companies. |
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Are there any pre-existing conditions that you can not cover? |
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Renal failure and cancer are the big two that most companies don't cover. However, there are usually exceptions to every rule. |
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How long does it take to complete the application and approval process? |
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From start to finish the process usually takes about 4 weeks. |
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Is there a maximum age that you can insure? |
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What type of dental plans do you offer? |
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There are many different benefit plans with each company. The typical plans include copays for most services. We can include major services and even braces if you desire. |
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What carrier(s) do you represent? |
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Delta Dental, United Concordia, Aetna, United Health Care. |
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What type of health plans do you offer? |
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I am able to offer everything from comprehensive plans to PPO's and HMO's to high deductible plans and HSA's. |
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What carrier(s) do you represent? |
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Aetna, Personal Choice, Keystone, Blue Cross/ Blue Shield, United Health Care, Assurant Health, Health America. |
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What services do you provide? What are your specialties? |
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Our firm provides individuals and coporations with comprehensive investment advise and support. We can provide access to stocks, bonds, mutual funds, IRA's, college savings plans and annuities, just to name a few. |
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What is your experience? How many clients do you currently manage? |
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I have been in this business for over 7 years now, helping hundreds of clients achieve their financial goals, protect their assets and save for the future. |
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What financial institution(s) do you represent? |
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As an investment broker I can represent nearly any company available. |
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How do you charge for your services? |
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All fees are disclosed up front. Investment fees are either commission based or asset based. |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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You should choose my firm because we understand what matters most: you, the client. We provide honest, unbiased advice to ensure your needs are met. |
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